Automobile insurance can be costly, yet its costs vary based on state and driver profile. Utilizing car insurance estimator tools may give an approximate idea of your premiums but final costs could differ considerably; to get an accurate estimation, obtain quotes from multiple insurers to compare.

NerdWallet’s free car insurance comparison tool can assist in this effort, offering estimates without requiring personal information from you. Compare quotes for vehicles you are considering before factoring in estimated insurance costs before making a decision to buy them – for instance if you desire full coverage including collision and comprehensive (which protect your own vehicle in case of damage or loss), plus minimum liability coverage costs before making your choice.

Other factors that can have an effect on your rate include your age, driving record and where you live. In general, those with less experience and poorer driving records pay more for car insurance; similarly drivers living in urban areas tend to pay more than those in suburban or rural settings.

Maintain a clean driving record, enhance your credit score and avoid accidents or traffic violations to reduce rates. Although making these changes takes time and dedication, they will have a substantial effect on your rates.

As part of your policy analysis, take note of your policy deductible and add-ons such as roadside assistance or gap insurance. Your choice of deductible can significantly alter its premium; raising or lowering it depending on what amount is acceptable out-of-pocket per claim. Additional services like roadside assistance or gap coverage may also increase or decrease it.